Blaze non-browser based advertisements

ABSTRACT

A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server fir display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation and claims priority to applicationSer. No. 14/143,085, filed Dec. 30, 2013, titled “REMOTE DELIVERY OFDIGITAL ARTIFACTS” which is a continuation and claims priority toapplication Ser. No. 13/735,337, filed Jan. 7, 2013, titled “REMOTETRANSACTION PROCESSING USING AUTHENTICATION INFORMATION” now U.S. Pat.No. 8,620,754 issued on Dec. 31, 2013 which is a continuation and claimspriority to application Ser. No. 11/948,903, filed Nov. 30, 2007, titled“METHOD AND SYSTEM FOR CONDUCTING AN ONLINE PAYMENT TRANSACTION USING AMOBILE COMMUNICATION DEVICE” now U.S. Pat. No. 8,352,323 issued on Jan.8, 2013 all of which is incorporated by reference herein in itsentirety.

FIELD OF INVENTION

The present invention relates to data communications and wirelessdevices.

BACKGROUND OF THE INVENTION

Mobile communication devices—e.g., cellular phones, personal digitalassistants, and the like—are increasingly being used to conduct paymenttransactions as described in U.S. patent application Ser. No.11/933,351, entitled “Method and System For Scheduling A BankingTransaction Through A Mobile Communication Device”, and U.S. patentapplication Ser. No. 11/467,441, entitled Method and Apparatus ForCompleting A Transaction Using A Wireless Mobile Communication Channeland Another Communication Channel, both of which are incorporated hereinby reference. Such payment transactions can include, for example,purchasing goods and/or services, bill payments, and transferring fundsbetween bank accounts.

BRIEF SUMMARY OF THE INVENTION

In general, this specification describes a method and system forconducting an online payment transaction through a point of sale device.The method includes receiving input from a user selecting an item forpurchase through the point of sale device; calculating a total purchaseamount for the item in response to a request from the user to purchasethe item; and sending payment authorization for the total purchaseamount from the point of sale device to a payment entity, in which thepayment authorization is sent to the payment entity via a mobilecommunication device, of the user. The method further includes receivinga result of the payment authorization from the payment entity throughthe mobile communication device; and completing the payment transactionbased on the result of the payment authorization.

Particular implementations can include one or more of the followingfeatures. The point of sale device ran be a desktop computer, a laptopcomputer, or a terminal. The mobile communication device can be acellular phone, a wireless personal digital assistant (PDA), or a laptopcomputer. The cellular phone can be an NFC-enabled phone. Sendingpayment authorization for the total purchase amount from the point ofsale device to a payment entity can include sending the paymentauthorization securely to the payment entity. The payment entity can bea person, a computer system, or a bank. The method can further includemaintaining a shopping list on the mobile communication device of theuser, in which the shopping list includes a listing of one or more itemsto be purchased by the user. The payment authorization can be anauthorization for payment with a credit card, a debit card, or a prepaidcard.

The details of one or more implementations are set forth in theaccompanying drawings and the description below. Other features andadvantages will be apparent from the description and drawings, and fromthe claims.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 illustrates a block diagram of a communication system including awireless mobile communication device and a management server inaccordance with one implementation.

FIG. 2 illustrates one implementation of the wireless mobilecommunication device of FIG. 1 .

FIG. 3 is a method for conducting a payment transaction using a point ofsale device in accordance with one implementation.

FIG. 4 illustrates a block diagram of a communication system including awireless mobile communication device and an online store in accordancewith one implementation.

FIG. 5 is a block diagram of a data processing system suitable forstoring and/or executing program code in accordance with oneimplementation.

Like reference symbols in the various drawings indicate like elements.

DETAILED DESCRIPTION OF THE INVENTION

FIG. 1 illustrates one implementation of a communication system 100. Thecommunication system 100 includes a hand-held, wireless mobilecommunication device 102 a point-of-sale device 104 and a managementserver 106. In one implementation, the mobile communication device 102includes a mobile application (discussed in greater detail below) thatpermits a user of the mobile communication device 102 to conduct paymenttransactions, Payment transactions can include, for example, usingcontactless payment technology at a retail merchant point of sale (e.g.,through point of sale device 104), using mobile/internet commerce (e.g.,purchase tickets and products, etc.), storage of payment information andother digital artifacts (e.g., receipts, tickets, coupons, etc.),storage of banking information (payment account numbers, security codes,PIN's, etc.), and accessing banking service (account balance, paymenthistory, bill pay, fund transfer, etc.), and so on. The mobilecommunication device 102 can be a cellular phone, a wireless personaldigital assistant (PDA), a laptop computer, or other wirelesscommunication device. The point of sale device 104 can be a desktopcomputer, laptop computer, terminal, or other device that is configuredto receive user input selecting items for purchase or other transaction.

In one implementation, authorizations for payment transactions that aremade through the point of sale device 104 are sent from the point ofsale device 104 to an issuer authorization (e.g., management server 106)through the mobile communication device 102 (as shown in FIG. 1 ). Inone implementation, an issuer authorization is a payment entity thateither approves or disapproves a payment transaction. An issuerauthorization can be, e.g., a person, computer system, bank (or otherthird party). One potential benefit of having payment authorizationsflow through the mobile communication device 102 is that sensitive userinformation (e.g. account numbers, pin numbers, and/or identityimplementation) need only be sent from the mobile communication device102 directly to an issuer authorization. Such operation reduces thepotential for identity theft and/or fraudulent purchases made through apoint of sale device. For example, (in one implementation) paymentauthorizations cannot be sent to an issuer authorization if the mobilecommunication device 102 is turned off.

FIG. 2 illustrates one implementation of the mobile communication device102. The mobile communication device 102 includes a mobile application200 that (in one implementation) is provided to the mobile communicationdevice 102 through a remote server (e.g., management server 106). In oneimplementation, the mobile application is a Mobile Wallet applicationavailable from Mobile Candy Dish, Inc., of Alameda, Calif. In oneimplementation, the mobile application is a hosted service, as describedin U.S. patent application Ser. No. 11/939,821, entitled “Method andSystem For Securing Transactions Made Through a Mobile CommunicationDevice”, which is incorporated herein by reference. In oneimplementation, the mobile application 200 is configured to sendrequests to the management server for artifacts based on user input,e.g., received though a keypad (not shown) of the mobile communicationdevice 102. Requests to the management server 106 can also be automated,via proximity-based services, e.g., consumer tapping (or in closeproximity) an LBS/contactless/RFID enabled phone against a smart poster(RFID/Bluetooth/LBS enabled, etc.), kiosk, or other device.

In one implementation, the mobile application 200 running on the mobilecommunication device 102 is configured to receive artifacts (e.g.,advertisements, receipts, tickets, coupons, media, content, and so on)from the management server 106. In one implementation, the managementserver 106 sends artifacts to the mobile application based on userprofile information and/or a transaction history (or payment trends)associated with a user of the mobile communication device 102 asdescribed in U.S. patent application Ser. No. 11/944,267, entitled“Method and System For Delivering Information To a Mobile CommunicationDevice Based On Consumer Transactions”, which is incorporated herein byreference.

In one implementation, the mobile communication device 102 is anNFC-enabled phone. The mobile communication device 102 can beNFC-enabled, for example, through an embedded chip or a sticker that isaffixed to the cellular phone, as described in U.S. application Ser. No.11/933,321, entitled “Method and System For Adapting a Wireless MobileCommunication Device For Wireless Transactions”, which is incorporatedherein by reference. In one implementation, the NFC chip (or sticker) onthe cellular phone can be used in conjunction with a merchant's point ofsale device as described in greater detail below.

For example, with reference to FIG. 4 , in one implementation, the NFCchip (or sticker) on the cellular phone can communicate with NFC chipsthat are installed on the front of PC's (TV's, Kiosks, or any otherdevice) and serve as scanners/readers. In this implementation, a mobilecandy dish applet (e.g., MCD POS plugin 414) is installed on theconsumer's computer (e.g., PC 404) which interfaces with the NFC chip onthe PC. When a consumer (or user) is shopping online and they are readyto pay for their products, the consumer opens his mobile wallet andselects one of the payment methods (e.g., credit card debit card,prepaid card, etc.) from their mobile wallet. If a default card has beenselected already, this step is not necessary. The consumer then wavestheir phone over the WC reader present on the PC 404. The consumer'spayment credentials are transferred from the phone to the merchantwebsite (e.g., online store application 410) using a communicationprotocol between the chip in the phone and the chip in the which can beradio frequency for example. If the consumer has coupons in their mobilewallet the consumer can either elect to manually apply the coupon, savethe coupon for a future use (against a larger purchase for example), orhave the coupon automatically applied during the transaction and thetransaction amount is updated. After the consumer enters any necessaryvalidation information (e.g., pin) to provide a multi-factorauthentication and confirms the transaction, the online purchase isprocessed as normal by the merchant's online processor. The mobilewallet can retrieve transaction data, account balance from themanagement server 408.

In one implementation, the mobile communication device 102 is a nonNFC-enabled phone. In this implementation, the consumer connects hisphone to the PC 404 via some non radio frequency method (e.g., IR,Bluetooth, USB cable, etc.). When a consumer is shopping online and theyare ready to pay for their products, the consumer opens his mobilewallet and selects one of the payment methods (e.g., credit card, debitcard, prepaid card, etc.) from their mobile wallet. If a default cardhas been selected already, this step is not necessary. The consumer thenpushes, e.g., a “Buy now” button and the consumer's payment credentialsare transferred from the phone to the merchant website (e.g., onlinestore application 410) using the protocol between the phone and the PC404 which can be radio frequency, for example. If the consumer hascoupons in their mobile wallet the consumer can either elect to manuallyapply the coupon, save the coupon for a future use, or have the couponautomatically applied during the transaction and the transaction amountis updated. After the consumer enters any necessary validationinformation. (e.g., pin) to provide multi-factor authentication andconfirms the transaction, the online purchase is processed as normal bythe merchant's online processor. The mobile wallet can retrievetransaction data and account balance from the management server 408.

In one implementation, the management server 408 and merchant portal(e.g., online store 408) are maintained by trusted parties and use anencrypted tunnel to transfer financial data. When the consumer is readyto pay for their online product, they enter their cell phone number onthe merchant portal. The merchant portal (which has an MCD applet (e.g.,MCD POS plugin 414) installed on its server) securely connects to themanagement server 408 (that in one implementation is maintained byMobile Candy Dish (MCD)). In one implementation, the management server408 identifies the consumer through their cell phone number, andverifies the consumer's authenticity by sending a unique transactioncode to the consumer mobile wallet on their cell phone. The consumerthen enters this unique transaction code onto the merchant's web portal.The merchant portal sends this transaction number to the managementserver 408 for authentication. Upon authentication, the consumer'svirtual wallet and payment methods (e.g., credit card, debit card,prepaid card, etc.) are securely retrieved from the management server408 and are displayed to the consumer in a window on a websiteassociated with the merchant portal. The consumer selects one of thesepayment methods to pay for their transaction. If a default card has beenselected already, this step is not necessary. If the consumer hascoupons in their mobile wallet the consumer can either elect to manuallyapply the coupon, save the coupon for a future use, or have the couponautomatically applied during the transaction and the transaction amountis updated. After the consumer enters any necessary validationinformation to provide a multi-factor authentication and confirms thetransaction, the online purchase is processed as normal by themerchant's online processor. The mobile wallet can retrieve transactiondata, account balance from the management server 408.

Referring to FIG. 2 , in one implementation, the mobile application 200maintains a shopping list 202 for a consumer. Accordingly, consumershave the ability to store their shopping list in their mobile wallet andadd, delete, or change items on their shopping list either in offline oronline mode. In one implementation, consumers are sent coupons based onitems on their shopping list, preferences, previous shopping history,proximity to the physical retail store, or a combination of theseparameters, as discussed in application Ser. No. 11/944,267, which isincorporated by reference above. If the consumer has coupons in theirmobile wallet the consumer can either elect to manually apply thecoupon, save the coupon for a future use, or have the couponautomatically applied during the transaction and the transaction amountis updated. When a consumer wants to order the items on their shoppinglist via an on online merchant (in contrast to a physical retail store),the consumer can logon to the merchant portal and electronicallytransmit their shopping list to the merchant portal either by wavingtheir phone over NFC enabled PC's or some other connection such as IR,bluetooth, USB, or the like.

FIG. 3 illustrates a method 300 for conducting a payment transactionusing a point of sale device (e.g., point of sale device 104). Userinput is received selecting one or more items for purchase (e.g., at thepoint of sale device) (step 302). In general, the transaction being madeat the point of sale device can be any type of transaction that involvesthe exchange or transfer of funds—e.g., the transaction can be a paymenttransaction, a fund transfer, or other type of transaction. In responseto a request from the user to purchase the one or more items, a totalpurchase amount for the one or more items is calculated (e.g., by thepoint of sale device) (step 304). If the user has coupons in theirmobile wallet the user can either manually apply the coupon or have thecoupon automatically applied during the transaction and the transactionamount is updated. The user request to purchase an item can be received,e.g., by a user clicking on a “buy now” icon that is displayed on agraphical user interface of the point of sale device. Paymentauthorization for the total purchase amount is sent to a payment entitythrough a mobile communication device of the user (step 306). A resultof the payment authorization is received at the point of sale devicefrom the payment entity via the mobile communication device (step 308).The payment transaction is completed based on the result of the paymentauthorization (step 310). If the payment transaction was authorized bythe payment entity, then the sale of the items through the point of saledevice is completed. Otherwise, if the payment transaction was notauthorized by the payment entity, then the point of sale deviceterminates the payment transaction.

FIG. 4 illustrates an example payment transaction being made in acommunication system 400 in accordance with one implementation. Thecommunication system 400 includes a mobile communication device 402, apersonal computer (PC) 404, an online store 406, and a core (ordatastore) 408. As indicated by interaction (1), a user (or customer),using a phone (e.g., mobile communication device 402 or personalcomputer 404), browses an online store website (online store application410) and finds an item that the customer wishes to purchase. This couldalso be a purchase made through a midlet application (PUS midlet 412)residing on the mobile communication device 402. The user then goes to,e.g., a checkout of the online store 406 make a purchase. If the userhas coupons in their mobile wallet the user can either manually applythe coupon or have the coupon automatically applied during thetransaction and the transaction amount is updated. When it comes time toauthorize the purchase, (in one implementation) the user is given anoption to purchase with the mobile communication device 402. In oneimplementation, the mobile communication device 402 is an WC-equippedphone (or NFC phone).

In interaction (2), when the user chooses to purchase with the mobilecommunication device 402, the online store application 410 sends thetransaction information for authorization to the POS vendor plugin(e.g., MCD POS plugin 414). In one implementation, the POS vendor pluginis installed in the merchant's online store and enables the merchant toaccepts MCD Blaze payments as an alternative form of payment, similar toaccepting credit cards for payment. As shown by interaction (3), the POSvendor plugin formats, encrypts, and cryptographically signs thepurchase authorization request which is sent via a secure SSL link(e.g., HTTPS, Bluetooth, IR, USB, or other suitable protocol)established by the browser/web application 416 back to the mobilecommunication device 402. As with the first scenario, all communicationsis over secure channels. (It may be required that the mobile walletapplication be opened prior to beginning a phone online purchase.) ThePOS midlet 412 is a component of the mobile wallet application thatexecutes PayPass or other payment authorization protocol between itselfand the SE payment applications on the mobile communication device 402(interaction (4)). The results of the request are sent back to the POSvendor plugin.

As shown by interaction (5), the POS midlet 412 then forwards theproperly formatted authorization request to a payment entity (e.g.,issuer authorization 418) for authorization. The results of the requestare then sent back to the POS component of the mobile wallet. Throughinteraction (6), the POS midlet 412 then forwards the results back tothe MCD POS plugin 414 to complete the purchase. The MCD POS plugin 414then forwards the purchase transaction information to the managementserver 408 for later customer viewing (interaction (7)). As indicated byinteraction (8), users (or customers) will then be able to query themanagement server 408 and immediately obtain purchase information,either by phone or PC.

One or more of method steps described above can be performed by one ormore programmable processors executing a computer program to performfunctions by operating on input data and generating output, Generally,the invention can take the form of an entirely hardware embodiment, anentirely software embodiment or an embodiment containing both hardwareand software elements. In one implementation, the invention isimplemented in software, which includes but is not limited to firmware,resident software, microcode, etc. Furthermore, the invention can takethe form of a computer program product accessible from a computer-usableor computer-readable medium providing program code for use by or inconnection with a computer or any instruction execution system. For thepurposes of this description, a computer-usable or computer readablemedium can be any apparatus that can contain, store, communicate,propagate, or transport the program for use by or in connection with theinstruction execution system, apparatus, or device. The medium can be anelectronic, magnetic, optical, electromagnetic, infrared, orsemiconductor system (or apparatus or device) or a propagation medium.Examples of a computer-readable medium include a semiconductor or solidstate memory, magnetic tape, a removable computer diskette, a randomaccess memory (RAM), a read-only memory (ROM), a rigid magnetic disk andan optical disk. Current examples of optical disks include compactdisk-read only memory (CD-ROM), compact disk read/write (CD-R/W) andDVD.

FIG. 5 illustrates a data processing system 500 suitable for storingand/or executing program code. Data processing system 500 includes aprocessor 502 coupled to memory elements 504A-B through a system bus506. In other implementations, data processing system 500 may includemore than one processor and each processor may be coupled directly orindirectly to one or more memory elements through a system bus. Memoryelements 504A-B can include local memory employed during actualexecution of the program code, bulk storage, and cache memories thatprovide temporary storage of at least some program code in order toreduce the number of times the code must be retrieved from bulk storageduring execution. As shown, input/output or I/O devices 508A-B(including, but not limited to, keyboards, displays, pointing devices,etc.) are coupled to data processing system 500. I/O devices 508A-B maybe coupled to data processing system 500 directly or indirectly throughintervening I/O controllers (not shown).

In one implementation, a network adapter 510 is coupled to dataprocessing system 500 to enable data processing system 500 to becomecoupled to other data processing systems or remote printers or storagedevices through communication link 512. Communication link 512 can be aprivate or public network. Modems, cable modems, and Ethernet cards arejust a few of the currently available types of network adapters.

Although the present invention has been particularly described withreference to implementations discussed above, various changes,modifications and substitutes are can be made. Accordingly, it will beappreciated that in numerous instances some features of the inventioncan be employed without a corresponding use of other features. Further,variations can be made in the number and arrangement of componentsillustrated in the figures discussed above.

What is claimed is:
 1. A method for delivering an advertisement,comprising: maintaining a non-browser based application in a mobiledevice, wherein the non-browser based application is a mobile operatingsystem platform based application with a graphical user interface thatis preinstalled or downloaded and installed on the mobile device,wherein the graphical user interface includes a graphical icon, themobile device comprising a mobile device display, a mobile devicememory, a mobile device processor, a mobile device wireless radiotransceiver that supports voice and data interactions through a firstwireless communication channel, and a mobile device wireless fidelity(Wi-Fi) transceiver; receiving, at the non-browser based application, anadvertisement from a remote management server after the advertisement isselected by the remote management server based on one or more targetingparameters in response to user input at the non-browser basedapplication, wherein the non-browser based application receives the userinput via the mobile device display; and displaying the advertisementwithin the non-browser based application.
 2. The method of claim 1,further wherein the advertisement is maintained at the remote managementserver.
 3. The method of claim 1, further wherein the one or moretargeting parameters is maintained at the remote management server. 4.The method of claim 1, wherein the one or more targeting parameterscomprise personal information and/or purchase transaction relatedinformation.
 5. The method of claim 4, wherein personal informationcomprises one or more of user location, gender, age, interests,affiliation, userID, pageid, zip code, area code, or occupation.
 6. Themethod of claim 4, wherein purchase transaction related informationcomprises one or more of information related to historical paymenttransaction, information related to real-time payment transaction,information related to contactless transactions made using the mobiledevice, information related to internet commerce, information related tobill pay, information related to top spend categories, informationrelated to merchants, information related to storage of bankinginformation, information related to accessing account balance,information related to accessing payment history, information related toaccessing funds transfer, information related to storing tickets,information related to storing receipts, information related to coupons,information related to transactions made by the user but not through themobile device, and information related to raw data downloaded frombanks.
 7. The method of claim 1, wherein the non-browser basedapplication receives the advertisement through a connection of themobile device to a wireless network; the non-browser based applicationdisplays the advertisement while the mobile device maintains theconnection to the wireless network; and further comprises: losing theconnection of the mobile device to the wireless network while thenon-browser based application displays the advertisement; and afterlosing the connection, continuing to display the advertisement withinthe non-browser based application.
 8. The method of claim 1, furtherwherein the non-browser based application is not Short Messaging Service(SMS).
 9. The method of claim 1, further wherein the remote managementserver is configured to store a user-ID and one or more payment methodsfor a plurality of a user's mobile devices and further wherein aconfiguration means the remote management server scales.
 10. The methodof claim 1, further wherein the mobile device permits a user of themobile device to conduct payment transactions, wherein paymenttransactions compromise one or more of Near Field Communication (NFC)contactless payment, mobile/internet commerce to purchase one or moreproducts, storage of digital artifacts, accessing banking service andfurther wherein the banking services include account balance, paymenthistory, bill pay, and fund transfer.
 11. The method of claim 10,further wherein a payment method related to the payment transactions ismaintained at the remote management server resulting in a more securesystem.
 12. The method of claim 1, further wherein the advertisement isrelevant to a user.
 13. The method of claim 1, further wherein theadvertisement is cached in the mobile device memory to improve themobile device performance.
 14. The method of claim 1, further whereinthe non-browser based application is stored in a local mobile devicememory during an execution of the non-browser based application, a bulkstorage mobile device memory for when the non-browser based applicationis not being executed, and a cache mobile device memory to providetemporary storage of at least some of the non-browser based applicationin order to reduce the number of times the non-browser based applicationmust be retrieved from the bulk storage mobile device memory during theexecution.
 15. The method of claim 1, further wherein the advertisementis stored in the mobile device memory to improve the mobile deviceperformance, mobile device usability, user experience, and userconvenience.
 16. The method of claim 1, wherein upon the condition thatthe mobile device loses connection with a wireless network, thenon-browser based application monitors for access to the wirelessnetwork and automatically reconnects to the wireless network when thewireless network is available.
 17. The method of claim 1 further whereinthe non-browser based application sends a request to the remotemanagement server for retransmission of the advertisement if it has notreceived the advertisement from the remote management server within acertain period of time.
 18. A mobile device, comprising: a mobile devicememory that maintains a non-browser based application, wherein thenon-browser based application is a mobile operating system platformbased application with a graphical user interface that is preinstalledor downloaded and installed on the mobile device, wherein the graphicaluser interface includes a graphical icon; a mobile device wireless radiotransceiver that supports voice and data interactions through a firstwireless communication channel; a mobile device wireless fidelity(Wi-Fi) transceiver a mobile device input interface configured toreceive at the non-browser based application, an advertisement from aremote management server after the advertisement is selected by theremote management server based on one or more targeting parameters inresponse to user input at the non-browser based application, wherein thenon-browser based application receives the user input via a mobiledevice display; and a mobile device output interface configured todisplay the advertisement within the non-browser based application. 19.The mobile device of claim 18, further wherein the advertisement ismaintained at the remote management server.
 20. The mobile device ofclaim 18, further wherein the one or more targeting parameters ismaintained at the remote management server.
 21. The mobile device ofclaim 18, wherein the one or more targeting parameters comprise personalinformation and/or purchase transaction related information.
 22. Themobile device of claim 21, wherein personal information comprises one ormore of user location, gender, age, interests, affiliation, userID,pageid, zip code, area code, or occupation.
 23. The mobile device ofclaim 21, wherein purchase transaction related information comprises oneor more of information related to historical payment transaction,information related to real-time payment transaction, informationrelated to contactless transactions made using the mobile device,information related to internet commerce, information related to billpay, information related to top spend categories, information related tomerchants, information related to storage of banking information,information related to accessing account balance, information related toaccessing payment history, information related to accessing fundstransfer, information related to storing tickets, information related tostoring receipts, information related to coupons, information related totransactions made by the user but not through the mobile device, andinformation related to raw data downloaded from banks.
 24. The mobiledevice of claim 18, wherein the non-browser based application receivesthe advertisement through a connection of the mobile device to awireless network; the non-browser based application displays theadvertisement while the mobile device maintains the connection to thewireless network; and further comprises: losing the connection of themobile device to the wireless network while the non-browser basedapplication displays the advertisement; and after losing the connection,continuing to display the advertisement within the non-browser basedapplication.
 25. The mobile device of claim 18, further wherein thenon-browser based application is not Short Messaging Service (SMS). 26.The mobile device of claim 18, further wherein the remote managementserver is configured to store a user ID and one or more payment methodsfor a plurality of a user's mobile devices and further wherein aconfiguration means the remote management server scales.
 27. The mobiledevice of claim 18, further wherein the mobile device permits a user ofthe mobile device to conduct payment transactions wherein paymenttransactions compromise one or more of Near Field Communication (NFC)contactless payment, mobile/internet commerce to purchase one or moreproducts, storage of digital artifacts, accessing banking service andfurther wherein the banking services include account balance, paymenthistory, bill pay, and fund transfer.
 28. The mobile device of claim 27,further wherein a payment method related to the payment transactions ismaintained at the remote management server resulting in a more securesystem.
 29. The mobile device of claim 18, further wherein theadvertisement is relevant to a user.
 30. The mobile device of claim 18,further wherein the advertisement is cached in the mobile device memoryto improve the mobile device performance.
 31. The mobile device of claim18, further wherein the non-browser based application is stored in alocal mobile device memory during an execution of the non-browser basedapplication, a bulk storage mobile device memory for when thenon-browser based application is not being executed, and a cache mobiledevice memory to provide temporary storage of at least some of thenon-browser based application in order to reduce the number of times thenon-browser based application must be retrieved from the bulk storagemobile device memory during the execution.
 32. The mobile device ofclaim 18, further wherein the advertisement is stored in the mobiledevice memory to improve the mobile device performance, mobile deviceusability, user experience, and user convenience.
 33. The mobile deviceof claim 18, wherein upon the condition that the mobile device losesconnection with a wireless network, the non-browser based applicationmonitors for access to the wireless network and automatically reconnectsto the wireless network when the wireless network is available.
 34. Themobile device of claim 18, further wherein the non-browser basedapplication sends a request to the remote management server forretransmission of the advertisement if it has not received theadvertisement from the remote management server within a certain periodof time.
 35. The method of claim 9, wherein the one or more paymentmethods is a credit card, debit card, or prepaid card.
 36. The mobiledevice of claim 26, wherein the one or more payment methods is a creditcard, debit card, or prepaid card.